Minnesota Car Insurance

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Discover discounts and benefits with the AARP Auto Insurance Program from The Hartford.
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Save with the AARP Auto & Home Insurance Program from The Hartford.
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Discover savings with the AARP Homeowners Insurance Program from The Hartford.

Stay Protected on the Road With Minnesota Car Insurance

auto insurance MN Whether you’re heading out to enjoy one of Minnesota’s 10,000 lakes or taking a shopping trip to the Mall of America, you can feel protected on the road with dependable car insurance.
The AARP® Auto Insurance Program from The Hartford1 has been protecting AARP members and their families with Minnesota car insurance coverage since 1984. The Hartford has earned a reputation as a car insurance company you can trust. Customers rate us highly for our claims services because they can rely on our car insurance to be there when they need it most.
Minnesota requires drivers to have a minimum amount of liability, personal injury protection (PIP) and uninsured/underinsured motorist coverage. If you want to request a car insurance quote or learn more about the state minimum auto insurance in Minnesota, we’re here to help.

Required Coverages for Auto Insurance in MN

When looking at car insurance quotes in Minnesota, make sure you’re buying at least the minimum coverages to meet Minnesota state law. Minnesota requires drivers to carry personal injury protection (PIP), liability coverage and uninsured/underinsured motorist coverage in the following amounts:2

Proof of Car Insurance in Minnesota

car insurance quotes MN If you’re a licensed driver in the state of Minnesota, it’s smart to keep a copy of your car insurance ID card in your vehicle, along with your registration. Minnesota is also among several states that now accept electronic proof of car insurance. With The Hartford mobile app, you can store your car insurance ID cards right on your phone. For more information, visit the Google Play™ or App Store.™

Additional Minnesota Car Insurance Coverages Available to Drivers

In addition to helping you meet Minnesota car insurance requirements, The AARP Auto Insurance Program from The Hartford offers additional car insurance coverage to provide for more security.
Get a quote today to learn more about these great car insurance coverage options:
  • Comprehensive Insurance will help pay for non-accident-related car damage that other auto coverages won’t, like theft, vandalism or severe weather.
  • Collision Insurance can help pay for damage to your car from another vehicle or object, like a fence or mailbox.
  • Roadside Assistance is there for you if you have a flat tire, a dead battery or other car issues when you’re in your car in Minnesota or anywhere in the United States. You can even have your car towed up to 100 miles.
  • Increased Rental Reimbursement will help you pay for a rental car if you’re in an accident and your car cannot be driven. However, even if you have this auto insurance coverage, car insurance companies won’t pay for you to rent a car for vacation.
  • Medical Payments can help you and your passengers pay for treatment, rehabilitation, dental care and other medical expenses caused by a car accident. This insurance won’t pay for injuries to those in the other car. For that, you’ll need to have bodily injury liability insurance.

Common Questions About Minnesota Car Insurance

Is Minnesota a PIP State?

Yes, Minnesota is a no-fault state. This means that if you’re in a car accident in Minnesota, each driver is required to file a claim with their own insurance company, no matter who is at fault. Minnesota requires drivers to purchase personal injury protection (PIP) coverage, which is also known as no-fault insurance.

How Much Is Car Insurance in Minnesota?

According to the Insurance Information Institute, the average cost of auto insurance in MN in 2018 was $872 per year.3 Car insurance rates vary by driver depending on many factors, including:
  • Where you live: All states have their own laws about how much car insurance you need to purchase. This usually helps determine average rates in each state.
  • Your driving record: Drivers with clean driving records will usually get the cheapest car insurance rates.
  • Whether you also have homeowners insurance: Drivers in Minnesota who bundle their auto insurance with renters, condo or home insurance can save money.**

What Happens if You Don’t Have Car Insurance in Minnesota?

If you’re caught driving without auto insurance in Minnesota, you may have to pay a fine and give up your license plate and driving privileges or face imprisonment.

What Minnesota Teen Driving Laws Are In Place?

Getting a driver’s license is an important moment for all teenagers, and Minnesota wants to be sure they can do it safely. That’s why Minnesota has graduated licensing laws to limit nighttime driving, restrict teen passengers and ensure supervised driving practice. If you have a new teen driver to add to your insurance policy, you may want to compare quotes for car insurance rates. Some insurance companies will provide discounts for drivers who complete drivers’ education courses or have good grades.

What Car Insurance Benefits Are Offered for Minnesota Drivers?

The AARP Auto Insurance Program from The Hartford offers valuable benefits to Minnesota drivers. Our car insurance coverage for Minnesota drivers includes:
  • 24/7 Claim Service
  • 12-month Rate Protection
  • Accident Forgiveness
  • Disappearing Deductible
  • New Car Replacement§§

Get Car Insurance Quotes in MN Today

To find out more about Minnesota car insurance benefits and savings, call our representatives at 888-413-8970. You can also get a quote online in minutes.
** Average savings amounts based on information reported by customers who switched to The Hartford from other carriers between 1/1/20 and 12/31/20. Your savings may vary. Average auto insurance savings is $507 and average home insurance savings is $120. Rate differences for AARP members and non-members vary by state and AARP membership tenure. Auto/Home discount is available only to policyholders who have both their auto and home (or condo or renters) insurance through the AARP Auto & Home Insurance Program from The Hartford. The Home product is not available in all areas, including the state of Florida.
§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage® is a registered mark of The Hartford.
§§ Terms and conditions apply.
Terms and conditions apply. Accident Forgiveness and the Disappearing Deductible are not available to CA policyholders.
‡‡ Terms and conditions apply. Availability varies by state.
Additional disclosures below.
auto insurance definition

Car Insurance in Plain English

Quick answers and easy-to-understand auto insurance definitions written with you in mind.
To learn more, read through our auto insurance definitions page.
Summaries of coverages and policy features are for informational purposes only. In the event of loss, the actual terms and conditions set forth in your policy will determine your coverage.

AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.

The AARP Automobile Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ by Hartford Insurance Company of the Southeast; in CA by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MN, by Sentinel Insurance Company; and in MA, MI and PA, by Trumbull Insurance Company. The AARP Homeowners Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, MI and MN, by Trumbull Insurance Company; in MA, by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, and Hartford Accident and Indemnity Company; and in PA, by Hartford Underwriters Insurance Company. Not available in all states, including FL. Specific features, credits and discounts may vary and may not be available in all states in accordance with state filings and applicable law. Applicants are individually underwritten and some may not qualify. The Program is currently unavailable in Canada and U.S. Territories or possessions.

1 In Texas, the Auto Program is underwritten by GEICO Texas County Mutual Insurance Company through Hartford Fire General Agency. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by GEICO Texas County Mutual Insurance Company. The Home Program is underwritten by Trumbull Insurance Company. Effective 10/16/21, the Auto Program is underwritten by Trumbull Insurance Company.

* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.